Bonus: For those who want to draw shirts in Photoshop, I've included a layered-masked PSD template, which makes shirt editing easier. The mask shows actual borders of the shirt. Also included the correct palette (ACT file) for converting to indexed-color when finished with editing.

AndrY wrote:(shitrs are black-white-grey because all other colours are wrong and they are changing when me try shirt in elma)

You'll need an image editing software which can saveload custom palette. MSPaint can't. The only editor I use is Photoshop, so can't recommend other.
You can find the one and only correct palette in base.bmp in this pack: http://kopasite.net/up/0/elmashirt.zip
Save its palette and load it into new shirt when converting to 256 color image, and colors will be fine.